Free Credit Score

Credit scores have become incredibly important as the use of credit has increased. The determination of an individual’s credit score is based on several factors. One factor is the ratio between total revolving (credit card) credit with the amount of debt,...

Credit reports are complied by an agency that collects credit histories, then distributes that data to credit grantors and the public. The credit reporting agency collects data from lenders, utility companies, collection agencies, landlords and court houses....